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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $7,343 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $4,675 |
Service code 13 6300 BRIDGE POINT PKWY · AUSTIN, TX 78730 | Contract Administrator | $3,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,329 | $45,109-61.6% | $85,240-79.7% | $77,762-77.7% |
| Participation rate | 47.1% | 48.7%-1.6pp | 67.5%-20.5pp | 70.6%-23.5pp |
| Annual return | 13.47% | 79.55%-66.1pp | 66.75%-53.3pp | 31.27%-17.8pp |
| Employer contribution / active EE | $31 | $1,602-98.1% | $2,735-98.9% | $2,728-98.9% |
| Participant deferral / active EE | $2,704 | $2,814-3.9% | $4,527-40.3% | $4,651-41.9% |
| Admin fee / account holder | $69 | $915-92.5% | $6,165-98.9% | $433-84.2% |